ChefPeg
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Credit Card Declined: How Many Attempts Before It's Declined for Fraud?
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Discussion Overview
The thread discusses experiences related to credit card declines during transactions, particularly focusing on the number of attempts allowed before a card is flagged for fraud. Participants share personal anecdotes about handling declined payments and the importance of communication with customers.
Discussion Character
- Anecdotal
- Opinion-based
- Exploratory
Main Points Raised
- One participant mentions hearing that a credit card can only be tried a certain number of times before being declined for fraud.
- Another participant suggests that three attempts are typically the limit for most cardholders.
- One participant shares their experience of a card being declined due to a misspelled last name and missing middle initial, which was resolved by correcting the details.
- Another participant recounts a situation where a bank declined a small charge despite sufficient funds, emphasizing the need to verify details with the customer.
- One participant describes trying multiple times to process a payment and ultimately paying out of pocket, noting the customer later confirmed funds were available.
- Another participant explains that a "fraud" flag is triggered by multiple attempts in a short time frame, advising caution with customers who frequently provide excuses for payment delays.
- One participant suggests informing the host about taking products for a guest until payment is secured to avoid potential issues.
- Several participants mention the option of reselling items or returning them within a specified timeframe if payment is not received.
Areas of Agreement / Disagreement
Views differ on the specifics of how many attempts can be made before a card is flagged for fraud, with some participants suggesting three attempts while others provide varying personal experiences. No clear consensus emerges on the exact number of attempts or the best approach to handling declined payments.
Contextual Notes
Participants share personal experiences and observations regarding credit card transactions, emphasizing the variability in customer situations and bank policies.
Who May Find This Useful
Consultants dealing with payment processing issues or those interested in understanding the nuances of handling declined credit card transactions may find this discussion relevant.
Sheila
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esavvymom
Staff member
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If you have already submitted it multiple times, chances are, the digits are wrong- or there just is no money to be had. You'll want to contact the customer directly. Resubmitting it won't change things. Just verify all of the details you have- including zip code, and the name(spelling) on the card. I one time had a card declined, but went through when I added her middle initial, which was ON the card. That may vary by processing company- not sure.But you'll probably have to call the customer.
wadesgirl
Gold Member
- 11,383
Sometimes it might be the bank - my dad's bank wouldn't accept a $30 charge for some reason even though I knew he had money in there. Personally I try once after it's declined to run it again to make sure I didn't type anything wrong in and then I follow up with the customer to check. It could be a bunch of different reasons but let the customer know!
ChefPeg
Gold Member
- 559
I spoke with the customer a few times. The first time it was declined was most likely because her last name was misspelled and her middle inital was missing. Otherwise, everything was correct.
After that, she said a payment for something else must have gone through earlier than usual and to check back on Monday, when she knew there would be money available. So I did, declined again. By this point, I had tried running it at least a half-dozen times. Probably why it was continuing to be declined.
I finally broke down and paid for it myself and left a message on her voicemail. She called back an hour or so later, very apologetic, saying she just checked her balance and that there was definitly funds available. I explained about the probable cause for the multible declines being a limit on times running the card. So, for now, everything's fine. I'll call her when the order arrives and we'll meet to make the exchange.
After that, she said a payment for something else must have gone through earlier than usual and to check back on Monday, when she knew there would be money available. So I did, declined again. By this point, I had tried running it at least a half-dozen times. Probably why it was continuing to be declined.
I finally broke down and paid for it myself and left a message on her voicemail. She called back an hour or so later, very apologetic, saying she just checked her balance and that there was definitly funds available. I explained about the probable cause for the multible declines being a limit on times running the card. So, for now, everything's fine. I'll call her when the order arrives and we'll meet to make the exchange.
Sheila
Gold Member
- 5,350
The "fraud" flag only happens when you run it multiple times in a very short period of time (like 24 hours). If there were several days between the attempts, you should be okay.Just a word of caution, people who don't have the money now & keep giving excuses, probably won't have the money later either. There's a good chance you'll be trying to track her down multiple times to get a payment, or she'll bounce a check on you. Be sure you ask for cash, just to be on the safe side. Hopefully you won't have any issues this time, but I highly recommend that in the future you don't front your own money. It's too easy to get burned trying to be nice like that. Sorry, but it's true. 
esavvymom
Staff member
- 7,881
To avoid getting burned, just in case, you could also call the host and tell her that you will be taking the products for that guest and meeting her to arrange for payment. This way the guest doesn't get the products and then you suddenly can't reach her. I know we dont want to think that people will do that, and hopefully this one doesnt but we have all had it happen.
I had to ask a host to not deliver a guest's products until we had settled an $80 bounced check.
I had to ask a host to not deliver a guest's products until we had settled an $80 bounced check.
ChefPeg
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babywings76
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ChefPeg
Gold Member
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Frequently Asked Questions
What happens when my credit card is declined during a Pampered Chef order?
When your credit card is declined, the transaction will not go through, and you will receive a notification about the issue. You may need to check your payment details or contact your bank for more information.
How many attempts are made before a credit card is flagged for fraud?
Typically, after a few consecutive failed attempts (usually 3 to 5), a credit card may be flagged for potential fraud. This can vary by bank or credit card issuer, so it’s best to check with them directly.
Can I retry my credit card after it has been declined?
Yes, you can retry your credit card after it has been declined. However, it’s advisable to first verify that your card details are correct and that there are sufficient funds available before attempting again.
What should I do if my credit card is repeatedly declined?
If your credit card is repeatedly declined, contact your bank or credit card issuer to find out the reason. They can provide insights into whether there are issues with your account or if the card is being flagged for fraud.
Will my order be canceled if my credit card is declined multiple times?
Your order may be held temporarily if your credit card is declined, but it will not be canceled immediately. You will usually have the opportunity to correct the payment issue before the order is finalized.
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